The U.S. Small Business Administration is offering low-interest disaster relief loans to Otsego County residents and business owners who were affected by the Halloween floods of 2019. Loans up to $200,000 are available to homeowners to repair or replace damaged or destroyed real estate. Homeowners and renters are eligible for loans up to $40,000 to repair or replace damaged or destroyed personal property. Go to disasterloan.sba.gov/ela for application details.